| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALVIN J KOHLENBERG3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.28% |
| WILLIAM GARMS3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $322 | — | $322 | 0.44% |
| NICHOLE K COOPER3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $264 | — | $264 | 0.36% |
| MICHAEL C WALKER3 Filed as: MICHAEL D THOMSEN | — | TRANSAMERICA LIFE INSURANCE COMPANY | $175 | — | $175 | 0.24% |
| CAROL A HEYING3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $68 | — | $68 | 0.09% |
| CHERYL O'BRIEN3 Filed as: CHERYL L WHITAKER | — | TRANSAMERICA LIFE INSURANCE COMPANY | $66 | — | $66 | 0.09% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 154 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.